I have a complicated situation that I want insight on, I keep going back and forth on how to handle it.

I've got a vehicle that isn't running particularly well and I'm completely underwater on but will not be able to sell. It's got a salvage/rebuilt title and I've got a little over 5.5k$ left on the loan over the course of the next 50ish months and a car insurance cost of close to 200$ a month, I've shopped around and that's about as good as it'll get because it's high due to the salvage title and the type of vehicle plus my age and other demographics. This thing has eaten almost 5k$ in repairs already, it's not going to last long enough to be worth fixing because of the cost to repair the transmission and other major issues. I've also got 6k$ or so in credit card debt that I'm not able to fix any time soon.

I have access to two people's incomes (combined 3200$ a month) but we run through almost all of that just paying down the unavoidable expenses like rent, credit card minimums, utilities, medical, insurances, groceries, and the other stuff we really can't cut down. What little we have left gets put equally onto the credit cards and the car loan principle, but that's not much more than maybe 200$ onto each. It basically covers the credit card interest so our overall balance doesn't rise, we run up as much as we pay down so they have stayed stable.

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Now, here's the complicated part. My significant other isn't on the hook for the car, it will not ding her. She has no credit history, I have about a 740 score that I hate to fuck up. The car is the only way we continue to have an income, because public transit isn't possible here. I could, theoretically, take the massive hit because she's going to be just fine and we would have plenty of money if I could make my debts disappear even if I lost everything else in the process, and we don't own anything they'd be able to take because we rent out house and have no real assets plus what little we do own of any value they aren't going to be able to take because on paper it's hers and we aren't married or cosigned on these accounts.

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Do I declare a bankruptcy? Do I just voluntarily surrender the car and accept that I'm likely to be sued for the balance due because this thing is basically worthless and they probably will get maybe a grand selling it at auction if that? Do I just keep paying on it and hope for the best? Do I take out unsecured loans to pay off the car loan so I can dump it next time it stops running and cut to liability only?